But you see, if you leak the money in monthly, it does not really matter how long it takes for the Naz to reach 5000 again, a lot of your buying would be under 2000 which will double if and when the naz comes back to 5000. Whether to include the QQQ or not is an interesting question, I would prefer the DIA and SPY, or just the SPY, but that is a separate issue. The QQQ would add some "zing" (it is almost double its bottom in 2002, but still 1/3 of its 120 top in 2000....